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Home My WebLink About86863802013932 First Bank of Idaho P. O. Box 12860 Jackson, WY 83002 Loan No: 190009761 a corporation organized and existing under the laws of whose address is P. O. Box 3239 Ketchum, ID 83340 MORTGAGE and the Mortgagee, First Bank of Idaho an Idaho Corporation 868638 WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3851 1/99 Pagel of 6 Initials RECEIVED BOOK 4 PR PAGE o p u THIS MORTGAGE is made this 28th day of September, 2000 between the Mortgagor, DAVID J. BELCHER, a single man (herein "Borrower (herein "Lender WHEREAS, Borrower is indebted to Lender in the Principal sum of U.S. 36,000.00 which indebtedness is evidenced by Borrower's note dated September 28, 2000 and extensions and renewals thereof (herein "Note providing for monthly installments of principal and interest, with the balance of indebtedness, if not sooner paid, due and payable on October 1, 2015 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in the County of Lincoln State of Wyoming: Lot 45, Nordic Ranches Division No. 4, Lincoln County, Wyoming, according to that plat recorded August 9, 1994 in the Office of County Clerk as Instrument No. 787903, Plat No. 311 -C Pi s I 'IV irfl s]e] ;]u] g ;0 zeBed 66/1. 1.98£VWNd #Idl sS99 944 (009) 'ou' suuoA Jasel 08/1 1992 WJOj I 1N3W(Ri1SNI V IO flNl 0011H3/`dWN3 09 /L 30V912JOWaN003s °NIWOJIM •aBeSprow sig2 ,Cq pamoas scans aq; ;sute2e ;ipaio a se uoi zn dde jo awl; alp le .iapuoi ,Cq plat spund ,Cur `lapuo' Cq uot;as!nbog sit .io (11adoJd a41jo ales al; o; Joud ,Clale!pawm! reel Jan! ou `,Cldde !lugs Japua-; `,apua-1 tq pa,inboe as!m,ag10 s! ,il,adold 041,0 pios sl ,i1Jadold aq; pang Li gdeae°ied Japun 3l •Japua-1 ,Cq plat spund Ate Jamoilog of punjoi ,cl ;dwo,d pegs .iopuo `a5e$1JOyfi stgl Cq painoas scans [[g 3O Iln3 w luaw,Cgd uodn °aJlnba, few,apua-1 se sluaw,Ced NOM Jo auo ui Xouatogap alp do a3luw o1 (iessaoau lunowe ,fug lapua''l o1 ,fed !legs JOMOJJOH `anp Nei ,ia41 se s3ua, punoiS pue swniwa,d aoueinsut `sluawssasse `saxel ,fed o1 luaoujns aq lou !legs Japua-1 ,Cq plat spund ag2 jo lunowe ag; 3l -spun jo sivawljelsut ,flgluow uo 1amoilog o; paltpalo ,o JamoJJOg o1 medal ,{lldwoJd la `uolldo s,,amonog le `aq !legs ssaoxa qons `anp Iie3 Amp se slim punoa pue swntwald aoue,nsui `sluawssasse `saxes pies ,cud o1 paitnbaa lunowe all paaoxa Hugs `slum. puno.iS puu swntwa.id aouu,nsut `sluawssasse `saxel jo son!) anp a4; o; loud alge,Cud spund jo sluawjj sut ,ilgluow a.inin3 aq1 gltm J042a2o1 `Japuo' /cq P1aq spund ag13o lunowe a413I •a2alJOJAI st4l ,iq pamoas swns 04;,03 J i!Jnoas leuolplppe se pa4ald 0111 spund agZ spew sum spund agl 01 ltgap Nora gotgm ,o3 asodind aq1 puu spund aql 01 sltgap puu sltpaao Sutmogs spund agl 3o &urlun000r lemur uu `aalglo 1noglim `Jamo„OH 01 an12 Begs .iapua' spund aq1 uo au!ulua 10 2sa,alut ,fue Jam0J10g ,cud o1 paltnbal aq l0u lints Japua-1 'mud aq o; lsalalua qons saJtnbal me! algrotidde Jo °pew st 2uawaaa11 gons ssalun per `JOMOIJOg o1 pied aq dugs spund all uo lsala2w nip a2e2p0JAI sti p 3o uotlnoaxa 3o awtl agl le 5utlum it! 0012e Amu lapua-1 per ,amoJJOH. °021180 11 lops a)igw of lapuaJ slaw,ad mei algeoTiddr pin spund 042 uo 1saIaIut 10M0110g s,Ced Japuarl ssalun 'sing pue sluawssasse pies Suiltdtuoo pin 2ut,(3uan 10 lun00011 Pees 2utz,fiuue `spund 041 2ut,fidde per 2utploq os ,03 aJego 1ou ,c11w lapua7 punoJ2 per swntwaid aoug,nsui `sluawssasse `sax111 pigs iced o; spund a {l ,Cidd11 !legs lapua-1 •(uot2nit3sul ue gons s! 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Japloq gons 3! 1sn.t1jo poop Jo a rOplow .ioiid e 30 laploq 041 01 sluaw,Ced gons sa)l11w 10m0„Og 111y1 lualxa 041 01 Japua-1 01 spund 3o sluaw,ird gons oval of palr2ggo aq 1011 Neils JOMOJJOH 300,041 sa111wt3sa ajQeuosua, puu slltq puu sluawssasse 3o spec! 041 uo ,apua1 ,iq awtl of awtl wo13 pue ,illutltut palriuusa ,ilgeuosea, sr t1e `,Cur 31 `aoue,nsui 08g211Ow ,03 sluawllrlsut wntwa,d ,(lira,( jo g131am2 -auo snid `aoue,nsut p, rzr4 ,03 sluawllelsut wntwa,d ,(!loot( jo 4IJ1am1 -auo snid `,Cur 31 `,Cliado.d alp uo sluaJ punoi2 pug a2e2l,oyfi sill lam) Xi!Joud Qa111111 ,few got4m (,fug ji `sluawssasse luawdolanap (tun pauu11ld pug wnaurwopuoo 2u!pnlout) sluawssasse puu saXel ,c11ra,C a 30 4glaml -auo 01 lrnba „spund„ u!alaq) wns g `1In3 ut pied st aloN 041 !pun `a3oN all ,spun algr,cud 0111 lsa,alut pug ludlouiJd jo sluaw,fed ,ilgluow ,cup alp uo ,apua-1 01 ,Cod ins lamo„Og `lapuai tiq Jan!gm uailum a Jo Mel al9eoaidde o2 2oafgns -aauransul pug saxel, ao3 spund 'z •a2oN 041 ut paptnold se sa2rego 01111 pug aIoN all Cq paouaptna ssaupalgapu! isa,alut pug lediouud 041 anp uogm ,led ,Cildwold 11114s Jamo,JOg ;soialuj puu ledtouud jo luaw,fed 'I :smo!!o3 sr 001211 pue 11.1111U0n00 lapuarl pug 1am0110g •S.LNVM3AOJ WUOdINfl •p,00a,3o saou11lgwnoua of pa [(ins `spuewap pug sling!° Ile ;sw11211 ,ilJado,d ay 01 alit; 041 ,CN111aua2 puajap ilim pug s3uu11em 1am011og 11141 S3U11UOA03 1amo11og •p10001 3o saou11lgwnoua 103 ldaoxa `palagwnouaun sl ,ipadold 041 11141 pug `,il.radold 042 ,fanuoo pue 11g12 `02112310W 02 2t$u all set pug pa,Canuoo ,(gala{ a2112sa 04130 paztas A!InJm111 st 1amo11og 11142 s;Uguanoo JOMOJJOH „,iliado,d„ ay1 s1101 pomp.' 1a�3guta1a4 an (plogaseat g uo si oSe22JoJ, s142 J! alu2sa plo4as110! 041 Jo) A11ado,d pars 41tm 10{20201 `2uto2alo3 a {2 30 1111 pug `02112310N s!qi Xq palanoo ,ipladold agp 30 lied 11 ua11wal puu aq of pawaap aq !lugs toilet 3o ile `dual pu11 saoueuallndde `s142!1 `s2uawasea 1111 puu `til,ad0Jd all uo papoal° 1013ea,04 Jo m0u sluawanoldwt a{2 [te glim ,0410201 [A [apoo d!z] „ssalppd ,iliadold„ (U0104) -866£8 2uiwo,4M [iaaiis] eu;3 `'io oippeS b£L 3o ssalppe 041 sal got4m 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the principal of the Note. 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any. 5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage and such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by -laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT I Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3851 1/99 Page 3 of 6 Initials 1..S.24 0 7 2 CL:,O gc:=7 sleg1ui 9 ;o gaud 66/1. l98£YINNd #Id1 999E (009) 'oul swJod Jesei 08/1. 1.92C uaaod 1 1N3Wf12i1SNI 1Al210dINfl OWIHd/HWNd 09 /L 3OVO12JOW aN003S ONIINOAM °aann01101,1 U0 puewap .lo ao!1ou aaglan3 lnol ;inn aReavo AI sup Xq palllwaad salpatual Atm alonui Xew .lapua-I `pouad sly) „o uol ;n.ndxa ac; 01 .loud stuns asall /cud o1 sile3 aamoaaog ji •aSgSpow sup Al painoas sums i!u ,(ud isnw aamoaaog yptlnn ulllinn paitgw .to pa.ianliap Si aollou ag1 alep ay1 i.uo.g sAup p£ ueyl ssai 1011 Jo poiaad g apinoad Hugs aollou ag,� •uouulala0og Jo aollou IaMOaamg 0n!5 hugs .capua1 `uolldo sup sasioaaxa aapua' 3I aSu21.101N styl Jo o t p ay13o su me! ielapaj ,Cq paligtyoid s! as►olaxaJ! .iapuoZ ,iq pas!0laxa aq lou liggs uolldo sup `Ianamoyl a2uSpow sup Aq pampas stuns I[g 3o iin3 0! luawAud algipawwt aambaJ uolldo sll lg 'Am aapua7 `)uasuoo ualllann .ioud s,.iapua' lnogllnn (uosaad ie.inlzu u 1ou Si IaMOIIOH pug pa.11aJsue.4 .10 Nos s! .iamoa.iog ul lsaaalul ietogauaq a j! ao) paiJajsueal .10 pwos s! ll 0! lsaaalul iCuu .zo ,ipadoad amp Ind iiug JO Hu 3I •aannoaaog ui ;saaa ;ui igiagauag i, ao ,iliadoad ay; 3o aajsuiu j '91 •X1.iadoid am 02 apew sluawanoadwl gllm uolloauuoo uT sa0inaas a0 swutaalew'aogg! ,Ciddns own sound lsutuSu anuq i(ew Iamo.i.zog golgnn sasuajap .io swleio `sigSll fug Jo luawalssu uu `Iapuo' 01 algeldaooe luaol a ut `tapua-I o1 Ianilap pug alnoaxa o1 IOMOJJOH a.nnba.i Amu uogdo s,iapual 1e `Iapua7 •Iapua-I yljm olui saa)ua .OM0IIOH yolynn luatuaaa u ueo! aallo a0 `Ilgdal luawanoIdw! `uolleltitquga1 alum! ,Cue .iapun SuoilgStigo s,.iamo.uog Jo Hu limn; hugs aamoitog ;uawaa.1 y ueo7 uoi ;e ;ipqugau 'si •joa1ay uoigpa00aa 1a�ju a0 uollnoaxa Jo oxlip ay11g a5u21J0IAJ sicl Jo pug aIoN ay1 Jo Adoo paluloJu00 e pagswanj aq Hells aamollog •Ado3 s,aan►oaaog 'want! pailtuli .zo mui aigi olldde ,Cq paligwgoad 1011 1ua)xa at!! 01 stuns ile apnpui „saaa ,si(auaollg„ pug „sasuadxa„ „slsoo„ `uta1aq pasn sy •o g91anas aq o1 paael0ap aae a20 ■ag1 pug aS1SpoyAI slip Jo suols!noad act pua sup 02 puu `u0lslnOld Surlolguoo alp lnogltnn paw uan!S aq ugo golcnn a10N ag1 .10 aSuSpow sup Jo suots!nold aal10 owe lou Heys loliJuo0 qons 'mul alquollddu gl!nn sloliJuo0 a1oN alp Jo aSESlaow slip Jo ammo 10 uolslnoad ,Cue 1ey1 Juana alp ul '0 t poy%i sup 01 mu! ieaapad 3o l!!!quollddg all ;will lou nulls aoualuas SuloSaaoJ. agy •pa ;eooi si Apadold ag) goulm u! uollo!psunf act Jo smut alp aq Heys aS1Spow sup 02 ajgEOildde smul Too! puu aims au •X;IPquaanas :Ate' 2uivaano9 •uta1aq paleuStsap aauugw alp u! uan12 11a4M Iapuari ao .Iamoa.iog o1 uan1S uaaq ang! 01 pawaap aq hugs aSuSpoyA sup u! Ioj papinoad aollou i(uy •waaaq papinoad se aann0llog o1 aollou Cq alguSisap feu Iapua-I su ssaappe aag10 cons o1 10 want! palms ssa.ippe s,Japua1 0) Irew pagtpao Act uan!S aq !legs Iapuarl 01 aollou Cue (q) pug `uiaaaq papinold su aapua-i 0l aollou Cq aluu2!sap Amu aann0110g sg ssaIppe aag)o ions 1e 10 ssaappd 410d01d a!1 1e IOMOaaog o1 passa.ippe um! pagipao (q aollou tons Su!!!uw Aq a0 1 Suuanllap iq uaniS aq Heys aReSlloyq sup. u! aoj papinoad Iannoaaog 0; aollou ,Cue (e) `Iauugw .1ajloug ul uan!S aq o1 Mei alge0iidde aapun paambaa aollou ,Cug aoj ldaoxg •a3i1°M •zi •,(padoad ayl u! Immix!! s,.ianno1aog 111!1 01 se aSES;aow sup Sul,ijlpow .io aamo.taog mil Sutsualaa lnoyltm puu luasuoo s,aamoaaog ;gyl lnolllnn a10N ag1 JO a5u5poy%i sup Jo swim alp 01 p1u2a1 !)!MM suotlgpowwo00g 10410 Cue a)lelu a0 `.ivaq.io3 `i(Jlpow `pualxa o1 aa1SB Am! xapunalaq .1amo.i1og aag10 Aug puu .iapuarl 11141 saalS1 (o) pug `a50110JA sup .iapun .io a)oN alp uo am!! AIleuosaad lou Si (q) `0 1SpoyQ sup Jo slum ayl aapun Iapua' o1 ,Spadoad ag1 ui lsaaalul S,aannoaaog Tell i 0AU00 pug lugaS `00'1Slaow o1 /quo 0 1Slaow sup 5upAts -o0 s! (g) `010N 041 ammo lou saop lnq `a212pOIAI sup suSis -00 04M 10M0110g Cud •leaanas pug )ulof aq !lugs IaMOalog 3o S)uawaalge pug slueuanoo Ild •3oaaaq 9l gde15gagd Jo suo!slnoad a!1 01 10afgns `aannoaaog pug Iapual 30 suSlssu pug saossa00ns an►lOadsaa alp 'al aanul hugs aapunaaay slgSla alp puu `puwq Bugs pauleluo0 waaaq sluawaa1S1 puu slueuanoo 041 •saauSis -off :.f ;wiiggl lgaanas pug ;uiop :punog SUSissd pm; saossaaaus •Apawaa JO 342U tons Am Jo asl0aaxa ay1 apnioaad JO JO aanlunn a aq 1011 Begs `mui aiquoliddg ,Cq papa up aslnnaaglo a0 `aapunaaay ,ipawaa ao 2441 ,Cue Su!si0aaxa ui aapu0' i(q a0ueaeagao3 ,Cud •lsaaalul ul saossa00ns s,aannoaaog pug aamoaaog leulSiao a!; Xq apuw puuwap Aug Jo UOSE0I Aq 011210J sup ,Cg paanoas scans aq; Jo uotleztpowu ij!pow aslnnaaglo 10 luawked aoj awl) pualxa o1 asnJaa JO aossa00ns tons )sut1S1 sSupaaooad aouawwoo 01 paambaa aq 1ou hugs IapUa7 'Isola)ut u! saossao0ns S,J0M0110g pug aamollog luu!2u0 act Jo i(llilquli ay) `aauueu A(00 ut `asgaial 01 a)eaado lou !lugs lamoll0g Jo lsaaalul ul Iossa00ns Aug 01 lapua'I r(q palug1S a212poyAI siyl 1Cq paanoas suns alp Jo uolluzlp0tug Jo uotlg0g!pow 10 MIN NON- UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the nonexistence of a default or any other defense of Borrower to acceleration and sale. If the breach is not cured on or before the date specified in the notice, Lender at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall mail a copy of a notice of the sale to Borrower in the manner provided in paragraph 12 hereof. Lender shall publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law. Lender or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all reasonable costs and expenses of the sale, including, but not limited to, reasonable attorneys' fees and costs of title evidence; (b) to all sums secured by this Mortgage; and (c) the excess, if any, to the person or persons legally entitled thereto. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to the earlier to occur of (i) the fifth day before sale of the Property pursuant to the power of sale contained in this Mortgage or (ii) entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 17 hereof or abandonment of the Property, and at any time prior to the expiration of any period of redemption following judicial sale, Lender, in person, by agent or by judicially appointed receiver, shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. Lender and the receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. 21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property. WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI#FNMA3851 1/99 Page 5 of 6 Initials: 075 REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sale or other foreclosure action. IN WITNESS WHEREOF, Borrower has executed this Mortgage. C)1 (Seal) I David J. Belcher Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower STATE OF WYOMING, 1 County ss: The foregoing instrument was acknowledged before me this L-Z> 2 (date) by DAVID J. BELCHER, a single man WITNESS my hand and official seal. My, commission expires: rib !o LL Form 3851 1/80 Laser Forms Inc. (800) 446 -3555 LFI#FNMA3851 1/99 Page 6 of 6 (person acknowledging) (Space Below This Line Reserved For Lender and Recorder] WYOMING SECOND MORTGAGE- 1/80 FNMA/FHLMC UNIFORM INSTRUMENT Notary Public